However, the Fed objected to the capital plans of RBS Citizens Financial Group Inc., parent company of Citizens Bank of Pennsylvania, and Santander Holdings USA Inc. based on qualitative concerns. According to the review's standards, the qualitative issues could include inadequate analysis from the bank holding company, the capital-adequacy assessment is not sufficiently robust and unresolved supervisory powers.

This is the fourth year the Fed has conducted the review, which is an analysis of current and projected capital of the nation's 30 biggest bank-holding companies.

For the 2013 review, the Fed did not object to the capital plans of 25 of the 30 companies.